Retirement plan

PACIFIC COAST SALES & SERVICE, INC. 401-K PLAN AND TRUST

Name: PACIFIC COAST SALES & SERVICE, INC. 401-K PLAN A - PACIFIC COAST SALES & SERVICE, INC. 401-K PLAN AND TRUST (2019) Form 5500
Creator: PACIFIC COAST SALES & SERVICE, INC. 401-K PLAN A
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PACIFIC COAST SALES & SERVICE, INC. 401-K PLAN AND TRUST, PACIFIC COAST SALES & SERVICE, INC. 401-K PLAN A

PACIFIC COAST SALES & SERVICE, INC. 401-K PLAN AEIN 94-2940366Plan #001PY 2019

310 SOQUEL WAY - SUNNYVALE, CA 94086408-481-3600LinkedIn201-500 employeestelecommunications

Prospect flagsLow returnsLow participation

How to read this page

Total assets (EOY)

$12.9M

+2.7% from 2018

Total participants

265

+2.7% from 2018

Average account balance

$76,712

+2.1% from 2018

Annual return

1.61%

-7.79 pp from 2018

Benchmarks

See 1,095 peers

Peer group

Industry48 - Transportation and Warehousing

Plan typeDefined contribution

Participants100-249

Cohort1,095 peers

Snapshot2019

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$18.98M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$133K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

143

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

73.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.31M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$12K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+23.89%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$499

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 4 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE4+ years Filed as: EMPOWER RETIREMENT ADVISORY SERVICE Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$24,158
CETERA ADVISOR NETWORKS LLC4+ years Filed as: CETERA ADVISORS LLC Service code 27 200 N. PACIFIC COAST HWY STE 1200 · EL SEGUNDO, CA 90245	Advisory (Plan)	$21,079
QUALIFIED PLANS, LLC3 years Filed as: QUALIFIED SERVICES INC. Service code 13	Contract Administrator	$5,000
HICKS PENSION SERVICES4+ years Filed as: QUALIFIED SERVICES, INC. DBA HICKS Service code 13 · EIN 77-0155091 PENSION SERVICES · SAN LUIS OBISPO, CA 93405	Contract Administrator	$1,200

Plan features & details

Pension benefit codes2F2G2J2K3D

Plan features

2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$24K

$132 / participant

Contract admin$24K100.0%

% of EOY assets

0.187%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm: BPM LLP
Auditor EIN: 814234542
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$76,712

$47,922+60.1%

$75,900+1.1%

$65,186+17.7%

Participation rate

47.0%

63.0%-16.0pp

69.3%-22.3pp

70.2%-23.2pp

Annual return

1.61%

24.12%-22.5pp

30.73%-29.1pp

29.39%-27.8pp

Employer contribution / active EE

$1,545

$1,557-0.8%

$2,501-38.2%

$2,177-29.0%

Participant deferral / active EE

$3,591

$2,550+40.8%

$3,604-0.3%

$3,514+2.2%

Admin fee / account holder

$144

$532-72.9%

$5,421-97.3%

$847-83.0%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE4+ years

Filed as: EMPOWER RETIREMENT ADVISORY SERVICE

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$24,158

CETERA ADVISOR NETWORKS LLC4+ years

Filed as: CETERA ADVISORS LLC

Service code 27

200 N. PACIFIC COAST HWY STE 1200 · EL SEGUNDO, CA 90245

Advisory (Plan)

$21,079

QUALIFIED PLANS, LLC3 years

Filed as: QUALIFIED SERVICES INC.

Service code 13

Contract Administrator

$5,000

HICKS PENSION SERVICES4+ years

Filed as: QUALIFIED SERVICES, INC. DBA HICKS

Service code 13 · EIN 77-0155091

PENSION SERVICES · SAN LUIS OBISPO, CA 93405

Contract Administrator

$1,200

PACIFIC COAST SALES & SERVICE, INC. 401-K PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PACIFIC COAST SALES & SERVICE, INC. 401-K PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion